Last $10.02 USD
Change Today 0.00 / 0.00%
Volume 4.3K
PBHC On Other Exchanges
Symbol
Exchange
Berlin
As of 10:05 AM 03/3/15 All times are local (Market data is delayed by at least 15 minutes).

pathfinder bancorp inc (PBHC) Snapshot

Open
$10.02
Previous Close
$10.02
Day High
$10.02
Day Low
$10.02
52 Week High
10/7/14 - $10.20
52 Week Low
07/16/14 - $8.50
Market Cap
43.6M
Average Volume 10 Days
9.3K
EPS TTM
$0.63
Shares Outstanding
4.4M
EX-Date
01/13/15
P/E TM
16.0x
Dividend
$0.12
Dividend Yield
0.84%
Current Stock Chart for PATHFINDER BANCORP INC (PBHC)

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pathfinder bancorp inc (PBHC) Details

Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial services primarily in Oswego and Onondaga counties, New York. It accepts various deposits, including demand deposits, money management and money market deposit accounts, checking accounts, saving accounts, and time deposits, as well as certificates of deposit. The company’s loan portfolio comprises one-to-four family residential real estate loans; commercial real estate loans; loans to small businesses, and investment securities; consumer loans comprising second mortgage secured home equity lines of credit, home improvement loans, auto and personal loans, and loans with junior liens; and commercial and municipal loans. As of April 9, 2014, it operated eight full service offices. The company was founded in 1859 and is headquartered in Oswego, New York. Pathfinder Bancorp, Inc. is a subsidiary of Pathfinder Bancorp, M.H.C.

pathfinder bancorp inc (PBHC) Top Compensated Officers

Chief Executive Officer, President, Director,...
Total Annual Compensation: $325.5K
Chief Financial Officer, Principal Accounting...
Total Annual Compensation: $177.8K
Senior Vice President, General Counsel, Secre...
Total Annual Compensation: $186.6K
Compensation as of Fiscal Year 2013.

pathfinder bancorp inc (PBHC) Key Developments

Pathfinder Bancorp, Inc. Announces Unaudited Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2014

Pathfinder Bancorp, Inc. announced unaudited earnings results for the fourth quarter and full year ended December 31, 2014. For the quarter, net income was $834,000 as compared to $550,000 for the comparable prior year period. The increase in net income of $284,000 was primarily the result of the increase in net interest income due to the increase of average interest-earning asset balances and the decrease in the average cost of interest-bearing liabilities between the fourth quarter of 2014 and the fourth quarter of 2013, partially offset by a $221,000 increase in noninterest expenses and a $227,000 increase in the provision for income taxes. Basic and diluted earnings per share were $0.20 and $0.19, respectively as compared to basic and diluted earnings per share of $0.13 for the fourth quarter of 2013. The increase in basic and diluted earnings per share between these two periods was due principally to the increase in net income available to common shareholders. Return on average assets was 0.59% compared to 0.44% for the corresponding period in 2013. The increase was due principally to the increase in net income for the three months ended December 31, 2014 as compared to the prior year period. Return on average common equity was 6.27% compared to 7.78% for the same period in 2013. This decrease was due principally to an increase in common equity for the three months ended December 31, 2014 as compared to the three months ended December 31, 2013 as a result of the $24.9 million in net proceeds from the conversion and offering that occurred on October 16, 2014. Net interest income increased $577,000, or 14.5% to $4.5 million when compared to $3,972,000 for the three months ended December 31, 2013. The increase in net interest income was due principally to the $420,000 increase in interest income caused by the increase in average balances of loans (primarily commercial real estate and residential mortgage loans) and the $52,000 increase in interest income caused by the increase in average balances of taxable investment securities. Income before income taxes was $1,228,000 against $708,000 a year ago. For the year, net income was $2.7 million as compared to $2.4 million in the same period in 2013. Basic and diluted earnings per share were $0.64 and $0.63, respectively, as compared to basic and diluted earnings per share of $0.58 for the twelve month period ended December 31, 2013. Return on average assets was 0.51% as compared to 0.48% for the comparable prior year period. Return on average common equity was 7.45%, compared to 8.58% for the same period in 2013. This decrease was due principally to an increase in average common equity due to the conversion and offering. Net interest income increased $1.5 million to $17.1 million as compared to $15,619,000 for the same prior year period. This increase was due primarily to the increase in interest income on loans and investment securities stemming from the increase in average balances on these earning asset products and the decrease in interest expense on time deposits and Federal Home Loan Bank borrowings. Income before income taxes was $3,954,000 against $3,252,000 a year ago.

Pathfinder Bancorp, Inc. Declares Dividend for the Fiscal Quarter Ending December 31, 2014, Payable on February 2, 2015

Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank has announced that the company has declared a cash dividend of $0.03 per share on the company's common stock relating to the fiscal quarter ending December 31, 2014. The dividend will be payable to all shareholders of record on January 15, 2015 and will be paid on February 2, 2015.

Pathfinder Bancorp Files Form 15

Plaster Caster Inc. announced that it has filed a Form 15 with the Securities and Exchange Commission to voluntarily deregister its common stock, $0.01 par value under the Securities Exchange Act of 1934, as amended.

 

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PBHC Competitors

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Company Last Change
Elmira Savings Bank $20.80 USD +0.10
Emclaire Financial Corp $25.50 USD 0.00
First Bank/Hamilton NJ $6.04 USD 0.00
Jeffersonville Bancorp $13.22 USD -0.08
Jonestown Bank & Trust Co/Jonestown PA $28.00 USD 0.00
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Industry Analysis

PBHC

Industry Average

Valuation PBHC Industry Range
Price/Earnings 15.7x
Price/Sales 2.1x
Price/Book 0.8x
Price/Cash Flow 15.7x
TEV/Sales NM Not Meaningful
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